CCPA Privacy Notice
Your rights under the California Consumer Privacy Act
California Consumer Privacy Act Notice
This California Consumer Privacy Act (CCPA) Privacy Notice supplements our general Privacy Policy and applies solely to California residents. This notice describes your rights under the CCPA and how to exercise them.
Last Updated: January 2025
Personal Information We Collect
In the past 12 months, we have collected the following categories of personal information from California consumers:
A. Identifiers
Examples: Name, postal address, email address, phone number, Social Security number, driver's license number
Collected: Yes
B. Personal Information (Cal. Civ. Code § 1798.80(e))
Examples: Name, address, telephone number, insurance policy number, employment information, bank account number, medical information
Collected: Yes
C. Protected Classification Characteristics
Examples: Age, date of birth, gender, marital status, medical condition, disability
Collected: Yes
D. Commercial Information
Examples: Insurance products purchased or considered, purchasing history
Collected: Yes
E. Internet or Network Activity
Examples: Browsing history, search history, interaction with our website
Collected: Yes
F. Geolocation Data
Examples: IP address, approximate location based on ZIP code
Collected: Yes
G. Professional or Employment Information
Examples: Current employer, job title, income information
Collected: Yes
H. Inferences
Examples: Preferences, characteristics, predispositions regarding insurance needs
Collected: Yes
Sources of Personal Information
We collect personal information from the following sources:
- Directly from you when you submit forms or contact us
- Automatically through cookies and tracking technologies
- From insurance carriers and healthcare providers
- From government agencies (e.g., healthcare marketplaces)
- From third-party data providers and marketing partners
- From public records and databases
How We Use Personal Information
We use the personal information we collect for the following business purposes:
- To provide insurance quotes and enrollment services
- To process applications and communicate with you
- To assess eligibility for subsidies and tax credits
- To improve our website and services
- To comply with legal and regulatory requirements
- To detect and prevent fraud
- To market our services and those of our partners
- To analyze usage patterns and preferences
Sharing Personal Information
We may share your personal information with the following categories of third parties:
- Insurance Carriers: To obtain quotes and process enrollments
- Service Providers: For website hosting, CRM, payment processing, and analytics
- Marketing Partners: To provide you with relevant offers (with your consent)
- Government Agencies: To comply with legal requirements and facilitate marketplace enrollment
- Professional Advisors: Lawyers, accountants, and consultants
- Business Transferees: In connection with mergers, acquisitions, or asset sales
Sale of Personal Information
We do not sell personal information in the traditional sense. However, under the CCPA's broad definition, sharing information with marketing partners in exchange for value may be considered a "sale." In the past 12 months, we may have shared identifiers, commercial information, and internet activity with marketing partners.
Your CCPA Rights
As a California resident, you have the following rights under the CCPA:
Right to Know
You have the right to request that we disclose what personal information we collect, use, disclose, and sell about you. You can make up to two requests per year.
Right to Delete
You have the right to request deletion of your personal information, subject to certain exceptions (e.g., legal obligations, fraud prevention, completing transactions).
Right to Opt-Out of Sale
You have the right to opt out of the "sale" of your personal information to third parties.
Do Not Sell My Personal InformationRight to Non-Discrimination
You have the right to not be discriminated against for exercising your CCPA rights. We will not deny services, charge different prices, or provide different quality of service because you exercised your rights.
Right to Correct
You have the right to request correction of inaccurate personal information we maintain about you.
Right to Limit Use of Sensitive Information
You have the right to limit our use and disclosure of sensitive personal information (e.g., Social Security number, health information) to what is necessary to provide our services.
How to Exercise Your Rights
To exercise your CCPA rights, you may submit a request by:
- Calling us toll-free at: (866)-906-0408
- Emailing us at: privacy@smartchoicehealth.org
- Submitting the form below
We will verify your identity before processing your request. We may ask you to provide:
- Your name, email address, and phone number
- Information about your recent interactions with us
- Additional verification information for sensitive requests
You may also designate an authorized agent to make requests on your behalf. The agent must provide proof of authorization.
Response Timeline
We will respond to your request within:
- 10 business days: Acknowledgment of receipt
- 45 days: Substantive response to your request
- 90 days: Extended response time if needed (we will notify you)
Do Not Sell My Personal Information
Use this form to opt out of the sale of your personal information to third parties.
Contact Us
For questions about this CCPA Privacy Notice or to exercise your rights, contact us:
SmartChoiceHealth - Privacy Department
Email: privacy@smartchoicehealth.org
Phone: (866)-906-0408
Address: Wilmington, DE, United States
Business Hours: Monday - Friday, 9:00 AM - 5:00 PM CST
Your Privacy Matters to Us
We're committed to protecting your personal information and respecting your privacy rights.
View Full Privacy Policy